Investment Management
| Building Your Financial Future
At Centric, we believe effective investment management begins with understanding you—your goals, risk tolerance, and vision for the future. Our disciplined investment approach combines thorough analysis with personalized strategy development to create a portfolio that works as hard as you do.
Our Investment Strategy Process
Investment success requires more than just picking stocks. It demands a methodical approach that considers both your personal circumstances and broader economic factors. Our process begins with you and expands to include careful analysis of market conditions.
Understanding Your Investment Profile
Before recommending any investment strategy, we take time to understand:
Investment Goals
Are your funds intended for current income, future needs, or legacy planning?
Risk and Reward Expectations
What level of market volatility can you comfortably accept?
Portfolio Context
How do these investments fit within your overall financial picture?
Tax Considerations
Are your funds qualified for tax deferral or subject to current taxation?
Investment Experience
What is your comfort level and familiarity with different investment vehicles?
Investment success requires more than just picking stocks. It demands a methodical approach that considers both your personal circumstances and broader economic factors. Our process begins with you and expands to include careful analysis of market conditions.
Economic Analysis and Asset Allocation Decisions
Once we understand your needs, we evaluate broader economic factors:
- Current state of domestic and global economies
- Position in the business cycle
- Relative performance of industries and sectors
- Market trends and outlook
By combining client factors with economic analysis, we develop a customized investment portfolio that aligns with your specific situation.
The Concept of Irreplaceable Capital
One crucial question we address is: “How much of your portfolio represents irreplaceable capital?”
Irreplaceable capital is money that must be preserved because its loss would significantly impact your lifestyle or financial security. This concept is important because:
- Emotionally, we all feel losses more acutely than gains
- Mathematically, recovering from losses requires disproportionately larger gains (a 20% loss requires a 25% gain to break even)
For funds identified as irreplaceable capital, we implement strategies focused on capital preservation while still seeking reasonable growth.
Investment Strategies Tailored to Your Needs
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Economic Analysis and Asset Allocation Decisions
Once we understand your needs, we evaluate broader economic factors:
- Current state of domestic and global economies
- Position in the business cycle
- Relative performance of industries and sectors
- Market trends and outlook
By combining client factors with economic analysis, we develop a customized investment portfolio that aligns with your specific situation.
The Concept of Irreplaceable Capital
One crucial question we address is: “How much of your portfolio represents irreplaceable capital?”
Irreplaceable capital is money that must be preserved because its loss would significantly impact your lifestyle or financial security. This concept is important because:
- Emotionally, we all feel losses more acutely than gains
- Mathematically, recovering from losses requires disproportionately larger gains (a 20% loss requires a 25% gain to break even)
For funds identified as irreplaceable capital, we implement strategies focused on capital preservation while still seeking reasonable growth.
Understanding Your Investment Profile
Core Investment Strategy
Our flagship approach begins with analyzing fundamentally sound companies with strong earnings linearity, growth patterns, return on invested capital, and free cash conversion. We identify elite companies that form the foundation of many client portfolios.
These core companies are industry leaders that have demonstrated resilience through multiple economic cycles and provide essential goods and services.
Income-Focused Strategies
For clients needing current income, we develop portfolios that may include:
- Dividend-paying stocks with strong histories of consistent payments
- Strategic bond allocations across various durations and credit qualities
- Alternative income sources to diversify beyond traditional fixed income
Growth-Oriented Approaches
For longer-term goals, we may implement:
- Domestic and global investment strategies
- Sector-specific investments in areas poised for expansion
- Tactical allocations to capitalize on emerging opportunities
Satellite Portfolios
Beyond our core holdings, we create satellite portfolios designed to enhance returns or target specific outcomes. These smaller collections of specialized securities can include stocks, sector-specific funds, Factor ETFs, or alternative investments.
The Foundation of Our Approach
Powerful
Combining modern portfolio theory with behavioral economics
Disciplined
Executing actions based on observed market behaviors
Responsive
Weighing expectations against valuations, volatility, and correlations
The Time Factor in Investment Planning
Your stage in life significantly influences our investment recommendations:
- Accumulation Phase: If you're in early wealth-building years, we may emphasize growth-oriented strategies while still respecting your risk tolerance.
- Pre-Retirement: As you approach retirement, we might gradually shift toward capital preservation for funds needed in the near term.
- Retirement: We may implement strategies that create a "safety cushion" of liquid assets to weather market volatility while maintaining growth potential for longer-term needs.
The Centric Client Experience
Our clients say working with Centric means:
Take the Next Step
You deserve a partner who listens, educates, and advocates for you-never one who pushes products or leaves you in the dark. Let’s build a relationship based on trust, transparency, and your success.
Contact Centric today to schedule a consultation and experience the difference of truly personalized business ownership planning.
Live Your
Best Life
Our planning services will take you through a process that begins with your concerns and needs. We will listen first and recommend second. Once we have a plan in place, we will monitor & adjust so that as life happens, you stay on the right track.